Canadian Soldiers Assistance Team (CSAT) Forum


Join the forum, it's quick and easy

Canadian Soldiers Assistance Team (CSAT) Forum
Canadian Soldiers Assistance Team (CSAT) Forum
Would you like to react to this message? Create an account in a few clicks or log in to continue.

CPP Disability and the Income Replacement Benefit

+7
Nemo
BinRat
propat
johnny211
45jim
Paratrooper
Teentitan
11 posters

Page 2 of 5 Previous  1, 2, 3, 4, 5  Next

Go down

CPP Disability and the Income Replacement Benefit - Page 2 Empty Re: CPP Disability and the Income Replacement Benefit

Post by Unknown Soldier Tue 24 Dec 2019, 16:03

AirLog wrote:From what I have learn't from my DTC application is CRA usually approves DTC applications for 5 years and then at the 5 year mark you have to reapply. Some DTC applications are approved indefinitely for limitations such as being blind, etc. When your request for DTC is approved it can be approved up to 10 years of past tax years. In my request it was stated that my limitations commenced in 2016, so if I am approved for a DTC it would apply for tax years starting in 2016 if CRA approves those years. Again, if I am approved CRA will approve the DTC going forward 5 years (2020 to 2024 inclusive) at which point of time I will have to re-apply for the DTC.

I am on CPPD and when I received my decision letter from Service Canada they did indicate that they could request a reassessment in the future. Seeing how I was approved for CPPD at 60 years old, I doubt that I will be asked to have a medical doctor confirm that I still meet the requirements for CPPD. Now, if you are of a younger age and on CPPD I believe that Service Canada will request a medical re-evaluation to confirm that you still meet the requirements of CPPD.

Not sure if a person on DEC will be re-evaluated every 2 years or not. Perhaps a person more knowledgeable on this site with respect to DEC can answer this question.

The DTC is a CRA responsibility, the DEC is a VAC responsibility and CPPD is a Service Canada responsibility. Being approved for one will have no bearing on any of the others. All three agencies are independent of one another and don't base their approval on one benefit it one of the others are approved.

AirLog
thx,I understand that DEC,DTC & CPPD are all different agencies , but what I'm saying is , if a vet had shingles and lBS and was blind in one eye etc. I just find it odd that they wouldn't be seen as equally out of commission by all 3 organizations.
Unknown Soldier
Unknown Soldier
CSAT Member

Number of posts : 606
Location : MIR
Registration date : 2019-05-15

Back to top Go down

CPP Disability and the Income Replacement Benefit - Page 2 Empty Re: CPP Disability and the Income Replacement Benefit

Post by bigrex Tue 24 Dec 2019, 14:00

Well I'm not on CPP(D), so I can't speak about that, but I've been DEC since 2012, and not have had a single reassessment. But I suppose there are different factors that come into play, like the number of medical conditions the Veteran suffers from, and whether it's a condition that can even be improved. So where as I have several degenerative conditions, that will only get worse with age, yet too young to be considered for replacement surgeries, (was told at age 35, after 3 previous surgeries, that both knees need to be replaced, but I needed to wait until I was 55) So VAC pretty much leaves me alone.
bigrex
bigrex
CSAT Member

Number of posts : 4060
Location : Halifax, Nova Scotia
Registration date : 2008-09-18

Back to top Go down

CPP Disability and the Income Replacement Benefit - Page 2 Empty Re: CPP Disability and the Income Replacement Benefit

Post by AirLog Tue 24 Dec 2019, 13:49

From what I have learn't from my DTC application is CRA usually approves DTC applications for 5 years and then at the 5 year mark you have to reapply. Some DTC applications are approved indefinitely for limitations such as being blind, etc. When your request for DTC is approved it can be approved up to 10 years of past tax years. In my request it was stated that my limitations commenced in 2016, so if I am approved for a DTC it would apply for tax years starting in 2016 if CRA approves those years. Again, if I am approved CRA will approve the DTC going forward 5 years (2020 to 2024 inclusive) at which point of time I will have to re-apply for the DTC.

I am on CPPD and when I received my decision letter from Service Canada they did indicate that they could request a reassessment in the future. Seeing how I was approved for CPPD at 60 years old, I doubt that I will be asked to have a medical doctor confirm that I still meet the requirements for CPPD. Now, if you are of a younger age and on CPPD I believe that Service Canada will request a medical re-evaluation to confirm that you still meet the requirements of CPPD.

Not sure if a person on DEC will be re-evaluated every 2 years or not. Perhaps a person more knowledgeable on this site with respect to DEC can answer this question.

The DTC is a CRA responsibility, the DEC is a VAC responsibility and CPPD is a Service Canada responsibility. Being approved for one will have no bearing on any of the others. All three agencies are independent of one another and don't base their approval on one benefit it one of the others are approved.

AirLog

AirLog
CSAT Member

Number of posts : 246
Location : Edmonton
Registration date : 2017-11-19

Back to top Go down

CPP Disability and the Income Replacement Benefit - Page 2 Empty Re: CPP Disability and the Income Replacement Benefit

Post by Unknown Soldier Tue 24 Dec 2019, 13:27

bigrex wrote:I've had the DTC since 2004, but was told that it had expired, after I had already filed my taxes this year. So I had to resubmit a new application in June, and am still waiting for a decision. .So this has been a really bad year for me, in terms of waiting for other people to do their jobs. I had a request submitted by an OT, for a new hospital bed and lift chair, also in June, with no answer yet., And my car went into the shop, on October 3rd, and I've been waiting ever since, for a specific part to be manufactured and shipped from South Korea. Even with the Insurance company and Kia chipping in, it has still cost me over $2000, just for the rental car. So, at this point, I'm definitely hoping that 2020, will be better.
if someone was on CPPD and had DTC, would the DTC still expire after a decade or would the GOC just recognize that a person being on CPPD is proof enough?. Also, l read that DEC can/will be assessed every 2 years,to see if the vet still meets the requirements, does being on CPPD ever require a reassessment.?
Unknown Soldier
Unknown Soldier
CSAT Member

Number of posts : 606
Location : MIR
Registration date : 2019-05-15

Back to top Go down

CPP Disability and the Income Replacement Benefit - Page 2 Empty Re: CPP Disability and the Income Replacement Benefit

Post by bigrex Tue 24 Dec 2019, 12:22

I've had the DTC since 2004, but was told that it had expired, after I had already filed my taxes this year. So I had to resubmit a new application in June, and am still waiting for a decision. .So this has been a really bad year for me, in terms of waiting for other people to do their jobs. I had a request submitted by an OT, for a new hospital bed and lift chair, also in June, with no answer yet., And my car went into the shop, on October 3rd, and I've been waiting ever since, for a specific part to be manufactured and shipped from South Korea. Even with the Insurance company and Kia chipping in, it has still cost me over $2000, just for the rental car. So, at this point, I'm definitely hoping that 2020, will be better.
bigrex
bigrex
CSAT Member

Number of posts : 4060
Location : Halifax, Nova Scotia
Registration date : 2008-09-18

Back to top Go down

CPP Disability and the Income Replacement Benefit - Page 2 Empty Re: CPP Disability and the Income Replacement Benefit

Post by Unknown Soldier Tue 24 Dec 2019, 09:09

AirLog wrote:Unfortunately, these (DEC, CPPD, DTC) are three different processes with three different Federal Departments (VAC, Service Canada, CRA). Being approved for one doesn't mean approved for any of the others.

I am fortunate (perhaps fortunate in an unfortunate situation) where I am deemed DEC, I have IRB, have been approved CPPD and now have an application in for DTC. Not a situation I want to be in but this is where my path in life has brought me. I am grateful to have these benefits as I don't know how I would survive financially without them. I can say that it has taken three years of a very serious illness and lots of paperwork and doctors appointments to get to where I am (benefits wise), As one person has noted, it takes what your doctor/specialist writes on any application based on the seriousness of your condition that will determine the extent of your benefits. I am very fortunate to be alive and equally fortunate to have the benefits that I receive, both financially and medically.

Merry Christmas and a Happy and HEALTHY New Year to one and all.

AirLog
yes , l often say the same , many of us complain about how “ bad” we have it, but we should count ourselves as the lucky ones because we survived. “ there but for the grace of god walk I”. But also, on that same note of surviving financially went totally busted, I just find it weird that two separate organizations DEC vs CPPD adjudicators would look at the severity of injuries from a physicians report and one realize the injured person is beyond repair and unable to work and the other say “nah, you’re find, you’re not trying hard enough, or you just haven’t found the right line of work.”
Unknown Soldier
Unknown Soldier
CSAT Member

Number of posts : 606
Location : MIR
Registration date : 2019-05-15

Back to top Go down

CPP Disability and the Income Replacement Benefit - Page 2 Empty Re: CPP Disability and the Income Replacement Benefit

Post by AirLog Tue 24 Dec 2019, 08:58

Unfortunately, these (DEC, CPPD, DTC) are three different processes with three different Federal Departments (VAC, Service Canada, CRA). Being approved for one doesn't mean approved for any of the others.

I am fortunate (perhaps fortunate in an unfortunate situation) where I am deemed DEC, I have IRB, have been approved CPPD and now have an application in for DTC. Not a situation I want to be in but this is where my path in life has brought me. I am grateful to have these benefits as I don't know how I would survive financially without them. I can say that it has taken three years of a very serious illness and lots of paperwork and doctors appointments to get to where I am (benefits wise), As one person has noted, it takes what your doctor/specialist writes on any application based on the seriousness of your condition that will determine the extent of your benefits. I am very fortunate to be alive and equally fortunate to have the benefits that I receive, both financially and medically.

Merry Christmas and a Happy and HEALTHY New Year to one and all.

AirLog

AirLog
CSAT Member

Number of posts : 246
Location : Edmonton
Registration date : 2017-11-19

Back to top Go down

CPP Disability and the Income Replacement Benefit - Page 2 Empty Re: CPP Disability and the Income Replacement Benefit

Post by Unknown Soldier Mon 23 Dec 2019, 23:51

AirLog wrote:DTC = Disability Tax Credit with Canada Revenue Agency (CRA). I recently applied for DTC (end Nov) and my CRA account says that they have received my DTC request. It takes about 4 to 12 weeks from receipt of the DTC request for CRA to render an answer (on average, could be sooner/or later). If you are fortunate to have been approved for DTC then it takes X number of weeks before CRA completes the reassessment for your tax years that have been approved for DTC. I am hoping that I will receive a (positive) answer in January. If approved, my application (I believe CRA refers to it as a request and not an application) will be from tax year 2016.

Merry Christmas and a very Happy and Healthy New Year.

AirLog
yes this is a hard egg to crack, I've heard of people with some pretty sever ailments get denied for both DTC and Cppd, it all comes down to the physician write ups. On a similar note there are vets who are DEC ,apply for CPpd cant get it and others who are on cppd but get denied DEC.
Unknown Soldier
Unknown Soldier
CSAT Member

Number of posts : 606
Location : MIR
Registration date : 2019-05-15

Back to top Go down

CPP Disability and the Income Replacement Benefit - Page 2 Empty Re: CPP Disability and the Income Replacement Benefit

Post by AirLog Mon 23 Dec 2019, 22:18

DTC = Disability Tax Credit with Canada Revenue Agency (CRA). I recently applied for DTC (end Nov) and my CRA account says that they have received my DTC request. It takes about 4 to 12 weeks from receipt of the DTC request for CRA to render an answer (on average, could be sooner/or later). If you are fortunate to have been approved for DTC then it takes X number of weeks before CRA completes the reassessment for your tax years that have been approved for DTC. I am hoping that I will receive a (positive) answer in January. If approved, my application (I believe CRA refers to it as a request and not an application) will be from tax year 2016.

Merry Christmas and a very Happy and Healthy New Year.

AirLog

AirLog
CSAT Member

Number of posts : 246
Location : Edmonton
Registration date : 2017-11-19

Back to top Go down

CPP Disability and the Income Replacement Benefit - Page 2 Empty Re: CPP Disability and the Income Replacement Benefit

Post by Unknown Soldier Mon 23 Dec 2019, 21:36

XMedic wrote:Has anyone out there gotten approved for the DTC for a PTSD diagnosis.  My PTSD is 94 % and I applied for the DTC but seem to be getting nowhere with CRA.
what is DTC,do you mean DEC?
Unknown Soldier
Unknown Soldier
CSAT Member

Number of posts : 606
Location : MIR
Registration date : 2019-05-15

Back to top Go down

CPP Disability and the Income Replacement Benefit - Page 2 Empty Re: CPP Disability and the Income Replacement Benefit

Post by XMedic Mon 23 Dec 2019, 18:13

Has anyone out there gotten approved for the DTC for a PTSD diagnosis. My PTSD is 94 % and I applied for the DTC but seem to be getting nowhere with CRA.
XMedic
XMedic
CSAT Member

Number of posts : 96
Location : Canada
Registration date : 2018-04-14

Back to top Go down

CPP Disability and the Income Replacement Benefit - Page 2 Empty Re: CPP Disability and the Income Replacement Benefit

Post by Guest Wed 18 Dec 2019, 18:18

Air Log: So true. The Math! If you had the  CIA (s) You IRB doesn't drop below $1145 presently amount. When you calculate your IRB with offsets and it drops below this number it is additional income.
In my situation at 70 years of age my increased OAS and CPP will put me in a situation that I am $405 per month below the 1145.00. Since it is capped I am ahead by this amount. ($405)
It makes no sense to take it earlier in my case because it just drops it dollar for dollar.
* For those that do not know CPP and OAS increase 37-42% by holding off until 70 years of age*
With anyone that didn't have the CIA (s) or other offsets like airlog has it will likely not be an advantage.

The confusing issue here is that VAC lists the protected amount of CIA (s) under the IRB column. We cant see it on our display. They can and its shows it as protected for life.

Hope this helps.

Guest
Guest


Back to top Go down

CPP Disability and the Income Replacement Benefit - Page 2 Empty Re: CPP Disability and the Income Replacement Benefit

Post by AirLog Wed 18 Dec 2019, 17:04

I have received my reply from VAC with respect to taking CPP or OAS at 65 or delaying taking them until 70 years old.

Everyone's financial situation is different so do the math and don't forget that IRB will be reduced at 65 (if deemed DEC) to 70% of the 90% benefit. In my particular case the math doesn't give me any more financial benefit if I delay taking CPP or OAS. At 65 my offsets are equal to or higher than the 70% threshold. So I will be taking my CPP and OAS at 65.

AirLog

"CPP and OAS, like other prescribed sources of income (offsets), would only be deducted from your benefit once you start receiving them. The full amount for both benefits are considered offsets to the Income Replacement Benefit (IRB) regardless of the age at which they begin.

However, the department does usually add CPP and OAS automatically as offsets at age 65. This is only done to avoid creating overpayments, for the cases where a veteran may simply have forgotten to advise us that they are now receiving CPP and/or OAS. If you chose to delay these benefits to age 70, I would recommend sending us any communication you receive from Service Canada on the matter. We do still require a proof that you have delayed these benefits to remove the offsets that are automatically added at age 65. You would also have to advise us once the benefits do start at age 70 so that we may add them as offsets again.

In summary, if you chose to delay CPP and OAS to age 70, these will not be deducted from your IRB, given that you provide a confirmation that you have opted to delay the benefits.

Thank you."

AirLog
CSAT Member

Number of posts : 246
Location : Edmonton
Registration date : 2017-11-19

Back to top Go down

CPP Disability and the Income Replacement Benefit - Page 2 Empty Re: CPP Disability and the Income Replacement Benefit

Post by Guest Tue 17 Dec 2019, 20:32

Well Nemo It is my opinion that 70% is the max government pension after 35 yrs.  Secondly, they can!  The additional benefits that continue for life are substantial if you are entitled to them.
If all our medical needs & travel costs are covered, if our VIP continues, we can survive on 70%. IF IF IF

Guest
Guest


Back to top Go down

CPP Disability and the Income Replacement Benefit - Page 2 Empty Why it drops at 65

Post by Nemo Tue 17 Dec 2019, 19:05

Why does IRB drop at age 65? Probably the same reason the bastards took away SISIP for life and end it now at 65.
Nemo
Nemo
CSAT Member

Number of posts : 464
Location : canada
Registration date : 2010-08-13

Back to top Go down

CPP Disability and the Income Replacement Benefit - Page 2 Empty Re: CPP Disability and the Income Replacement Benefit

Post by Sponsored content


Sponsored content


Back to top Go down

Page 2 of 5 Previous  1, 2, 3, 4, 5  Next

Back to top

- Similar topics

 
Permissions in this forum:
You cannot reply to topics in this forum